Schaller, IA
Schaller wildfire risk explained
USFS's Wildfire Risk to Communities model puts Schaller at the 4th national percentile for risk to structures, among the lower wildfire-risk places nationally — a score built from 514 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Schaller at the 4th percentile, close to its 4th-percentile risk score.
Schaller's building exposure, zone by zone
Most of Schaller's buildings (82.5% of 514) fall outside USFS's Direct and Indirect zones entirely — that doesn't zero out the score above, it means the risk is regional, not structure-by-structure.
Schaller against the rest of the country
Schaller scores 4th nationally and 7th within Iowa — close enough that its state context doesn't change the picture the national number already gives. Among the 31,521 US communities USFS scores, Schaller ranks 30,356 for wildfire risk (1 is highest) and 17,119 by building count (1 is largest). Within Iowa alone, it ranks 945 of 1,017 places by risk. See the full county-by-county picture for Iowa on its state page.
Shopping for coverage in Schaller
Schaller's low wildfire rating (4th percentile) isn't the kind of score driving the carrier pullback making news in the highest-risk Western markets — but a standard homeowners quote is still worth comparing on its own terms.
Lowering exposure, not just insuring around it
With 82.5% of buildings rated Minimal exposure, Schaller gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
Where Schaller's figures come from
Every one of the two percentiles behind Schaller's 30,356-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Schaller's dominant minimal exposure actually means, with real examples from across the dataset.